Wisconsin is a great place to live. It has beautiful rolling hills, small town living as well large cities. One other great thing about Wisconsin is its insurance rates. The majority of drivers in Wisconsin enjoy insurance rates that are up to 40% lower than the national average. This can be a great money saver for residents of the dairy state. Even though rates are already better than the national average there are plenty of ways to lower your own insurance bill. Here are a few tips on how to save money on auto insurance policies.
Shop Around – This is the number one way to save money when it comes to auto insurance. You should shop prices on a yearly basis to see if anyone can offer you a better price. If your current policy is with Progressive Auto Insurance Madison WI, get price quotes from State Farm, Allstate and National. If you situation has changed, this can result in lower rates. A new job with a shorter commute, a teen driver coming off your policy or even an improvement in your credit score can save you money.
Discounts – Every insurance company offers discounts. Make sure you are receiving every discount you are qualified to receive. If you insure multiple vehicles or both your cars and home with the same insurer you should be getting a discount. If you have a teen driver who qualifies for a good student discount you can save almost 20% on your insurance costs. You can also get a discount for taking and passing a defensive driving course. Progressive Insurance Middleton, WI and all other Progressive agents now offer a discount if you let them install a device in you car that monitors your speed and driving habits.
Clean Records – It goes without saying that keeping your driving record clean will help keep your rates low. What some people may not know is that insurance companies look at your credit rating as well. A low rating will result in higher premiums so keep an eye on your credit rating; any improvements could result in a lower insurance rate.
Raise Your Deductible – While it could result in higher out of pocket expenses if you are in an accident, raising your deductible will result in lower premiums. If you do go this route, make sure you have enough money in reserve to cover your deductible if an accident occurs.
Reduce Coverage – If you have an older vehicle it is a good idea to reduce coverage. Carrying full coverage on an older vehicle may not make financial sense. If the vehicle has a low value it is a good idea to drop most coverage except for liability, which is required in most states.
Lower insurance rates than the national average is just one reason to live in the great state of Wisconsin. Whether you are shopping Auto Insurance Sun Prairie or for insurance in Milwaukee keeping these tips in mind will help you find the lowest rates possible.
A short message to remind you that you are in my prayers during this coming Holy Week. Lent is in a way, the closest time of the year to my heart, because I am reminded how everyone of us matters to God, especially those who might be going through pain of any kind matter even more! It is a reminder that we remember that we are truly brothers and sisters, those who know Him and those who don’t know Him, for God to send His only Son to come and die for us. I always wonder “Who can love me this much to a point of wanting to die for me?”, and my heart swells of joy! What Jesus went through during his approaching death, all of His life actually, was something that sustained me so much during my time of great suffering hiding during the genocide.
You see, we all experience hurt from all kinds of injustices, and when we are not well loved, we end up believing the bad things people say about us, and the greatest temptation is to loose HOPE. Even if you were the worse sinner, He still loves you, and He will still forgive you; there is never a good reason to loose hope, to give up . If you are tempted not to like yourself, if you are tempted to feel like you are nothing, or you don’t matter, or you feel you are bad, remember, Our Lord dying like a criminal didn’t mean that He was bad, nothing was reduced of Him. He still was and is God, despite of all they said about Him, and His condemnation to death was for our good. Truth and love lives forever, they survive everything, even death.
I encourage you to lean on Him, especially during this Holy Week, lean on His Mother Mary, as He was comforted by Her presence beneath the cross; know that She is there for you as well. During this coming week, I challenge you to think of the One who loved YOU more than anybody, who cared more than anybody, who is Almighty, who is capable to breathe strength into your bones when you feel overwhelmed and tired; He watches over you. Take time to think of Him, to talk to Him, to ask Him things you don’t understand, to ask Him for help for you to forgive if you feel angry, and to remind Him that you appreciate His sacrifice and His love. If you have a hard time believing all this, at least ask Him “Who are You? And how can I serve You?” Remember, He cares that much and will give you an answer.
Have a Blessed Holy Week!
Many people who have heard me speak about my personal story of forgiveness have requested that I would do something even more that would teach about Our Lady and the apparitions that occurred in Kibeho. This past summer, we hosted two very successful weekend retreats in Boston and New Orleans, and I am happy to announce that I will be at Walsh University in Canton, Ohio the weekend of January 15th – 17th. It brings me so much joy to be able to do this for all those who have been asking for more. Our Lady is so pleased when we take the time to find out what she said, and then truly try to live it. As many of you know, my book, Our Lady of Kibeho is really my true passion, and I love to share her messages with as many people as I can. My latest book, If Only We Had Listened, unveils specific messages that were recorded by church officials and meant for you to hear. If you choose to join me, our weekend will be filled with so much joy and love honoring Our Mother. Not only will we learn what She wanted us to know, but we will also learn details about the true power and miracles of the Rosary, as well as hear from a very special guest. During our weekend together, we’ll have plenty time to also pray the rosary and celebrate mass. Also, we will learn to pray in a Rwandan cultural way that Our Lady loved so much–through song and dance. I will join with you and teach you many songs and dances that Mary taught the visionaries, because she loves when Her children come to Her in that way. I am so excited to be able to share all of this with you and cannot wait to see you there.